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Senior Machine Learning Engineer, Credit ML - Merpay

Salary not provided

AWSPyTorch
English & Japanese
English: IntermediateJapanese: Fluent

Minimum year of experience: 3

Mercari

Senior Machine Learning Engineer, Credit ML

  • Employment Status: Full-time
  • Work Hours: Full flextime (no core time)
  • Office: Roppongi, Tokyo

About

Circulate all forms of value to unleash the potential in all people.

We believe that by circulating all forms of value—not just physical things and money—we can create opportunities for anyone to realize their dreams and contribute to society and the people around them. Our mission is to leverage technology to connect people globally and build a world where everyone can unlock their full potential.

Learn more about our mission and culture:

Organization/Team Mission

Engineering Principles:

  • Passion For The Product
  • Grow Together
  • Solve Through Mechanisms
  • Collaborate Openly

Reference: Engineering Culture

Team Mission:
Our Credit Modeling team’s mission is to "create a credit business that delivers value to everyone using high-quality data science and machine learning technology." We drive all facets of the process: identifying business challenges, model construction, development, and operations.

Work Responsibilities

  • Develop, operate, and improve credit models to drive business growth:

    • Planning: Identify, articulate, and propose solutions to issues.
    • Evaluation Design: Evaluate with offline metrics, key business KPIs, risk metrics, and UX.
    • Operational Design: Design SLOs/operations, including drift/model degradation/bug detection and permanent resolutions.
    • Technical Decision-Making: Guide modeling strategies (e.g., interpretability vs. performance, online/batch, real-time requirements, rule-based boundaries).
    • Model Construction: Data analysis, feature engineering, ML model development for tabular data, maintenance of pipelines, reproducibility, experiment management, quality assurance.

  • Lead consensus building and collaboration with stakeholders (product, business, legal, compliance).

  • Explore and develop next-gen credit models.

  • Mentor team members technically.

Unique Challenges

  • AI Credit at Scale: Build and operate AI-driven credit models leveraging a vast ecosystem with over 23 million MAU.
  • Financial Inclusion: Redefine and expand responsible credit access using ML/data to serve the underserved.
  • High-stakes Quality: Develop ML-powered financial services with extreme attention to UX, reliability, monitoring, and product quality.
  • End-to-End Ownership: Full-cycle involvement across discovery, proposal, design, implementation, deployment, and iteration, working cross-functionally.

Qualifications

Required Experience/Skills

  • Strong alignment with our mission and values.
  • 3+ years of experience in ML model development (e.g., scikit-learn, LightGBM, PyTorch).
  • 1+ year of MLOps/model operations experience (monitoring, alerts, model update flows, incident response).
  • 2+ years with databases/SQL for analysis and feature engineering.
  • 2+ years leading a team/project of 4+ members (tech selection, design reviews, mentoring).
  • Excellent communication with team members and stakeholders.

Preferred Experience/Skills

  • Fintech/financial institution experience.
  • Cloud-based (AWS/Google Cloud) data/system/software development experience.
  • Experience with deep learning models (e.g., LLMs, foundation models).
  • Off-policy evaluation/learning or offline reinforcement learning experience.
  • Peer-reviewed publication or conference presentation in machine learning/data science.

Language

  • Japanese: Proficient (CEFR - C1)
  • English: Independent (CEFR - B2)

Details: Language Requirements

Learn More

Recruiting Process

  • Application screening
  • Skill assessment (take-home for engineering roles)
  • Interviews (number may vary)
  • Reference check (online, near final interview)
  • Offer

Details: Recruitment Process

Equal Opportunity

We are committed to creating a society where no one’s potential is limited by their background, and everyone can freely create value. This commitment is reflected in our hiring practices by eliminating discrimination based on age, gender, sexual orientation, race, religion, physical ability, or any such factors.

For more, read our Inclusion & Diversity statement.

Please also review our Privacy Policy.

*Note: Japanese description available upon request.*
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